Summary
Overview
Work History
Education
Skills
Travelling, relaxing and cooking.
Timeline
AdministrativeAssistant
Salma Shamiya Ali

Salma Shamiya Ali

Hinchinbrook,Australia

Summary

Administrative professional offering excellent communication, planning and prioritization skills demonstrated through 2 years of performance. With Knowledgeable financial professional experience in assessing credit viability for loan borrowers. Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths. Offering 6 years of related experience.

Overview

8
8
years of professional experience

Work History

Administrative Assistant

Azam Truck & Transport Pty Ltd
Hinchinbrook, NSW
07.2020 - Current
  • Answered multi-line phone system, routing calls, delivering messages to staff accordingly. E.g. managed over 40 calls per day.
  • Executed record filing system to improve document organization and management.
  • Scheduled office meetings and clients appointments for staff teams.
  • Maintaining records of staff timesheets.
  • Handled client correspondence and tracked records to foster office efficiency.
  • Developed and updated spreadsheets and databases to track, analyze and report on performance and sales data.
  • Responded to inquiries from callers seeking information.
  • Created and updated physical records and digital files to maintain current, accurate and compliant documentation.
  • Managed filing system, entered data and completed other clerical tasks.
  • Built and maintained excellent customer relationships through timely response to inquiries and going above and beyond to accommodate unusual requests.
  • Managed paper and electronic filing systems by routing various documents, taking messages and managing incoming and outgoing mail.

Team Leader(Hire Purchase & Loans)

Carpenters Finance Co. Ltd
Suva, Suva, Fiji
07.2016 - 01.2019
  • Determined and documented loan conditions and communicated requirements and decisions.
  • Carryout credit assessments of Hire Purchase, Personal loans, Credit cards and Bill of Sale applications.
  • Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
  • Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
  • Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
  • Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
  • Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
  • Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
  • Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives. Increased sales by 10%.
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
  • Achieved best leadership trophy of 2018.

Acting Team Leader

Carpenters Finance Co. Ltd
Suva, Suva, Fiji
01.2016 - 06.2016
  • Mentored and guided employees to foster proper completion of assigned duties.
  • Conducted training and mentored team members to promote productivity, accuracy and commitment to friendly service.
  • Built strong relationships with customers through positive attitude and attentive response.
  • Established open and professional relationships with team members to achieve quick resolutions for various issues.
  • Coached team members in customer service techniques, providing feedback and encouragement toward reaching sales goals. Improved staff KPI by 20%.
  • Facilitated training for associates through daily coaching and regular performance appraisals.
  • Implemented new working processes to deliver multiple improvements.
  • Coordinated weekly meetings for internal and external groups.
  • Proved successful working within tight deadlines and fast-paced atmosphere. achieved desired timeframe.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Advised clients on mortgage and housing conditions to identify successful properties and promote customer satisfaction.
  • Reviewed stop-loss reporting to customer accounts and complied with policies and procedures for release of information.
  • Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
  • Supported sales, brokers, consultants and underwriters in marketing and sales activities.

Credit Officer

Carpenters Finance Co. Ltd
Suva, Suva, Fiji
01.2014 - 01.2016
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Reviewed and verified income, credit reports and employment histories for each borrower.
  • Adhered to banking standards and government lending guidelines for loan services.
  • Organized and finalized loan applications for underwriter review.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Recommended approval or disapproval of hire purchase or credit loans.
  • Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
  • Collaborated with staff members to enhance customer service experience and exceed team goals through effective client satisfaction rates.
  • Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
  • Answered customer telephone calls promptly to avoid on-hold wait times.
  • Answered constant flow of customer calls with minimal wait times. managed more than 45 calls per day.
  • Offered advice and assistance to customers, paying attention to special needs or wants.
  • Responded to customer requests for products, services and company information.
  • Recommended products to customers, thoroughly explaining details.
  • Collected customer feedback and made process changes to exceed customer satisfaction goals.

Attachment Trainee (New Accounts Officer)

Carpenters Finance Co. Ltd
Suva, Suva, Fiji
09.2013 - 07.2014
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
  • Carried out day-day-day duties accurately and efficiently.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Worked flexible hours; night, weekend, and holiday shifts.
  • Organized and finalized loan applications for underwriter review.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Originated, reviewed, processed, closed and administered customer loan proposals. attempted more than 15 loan applications per day.
  • Maintained strict confidentiality of bank records and client information.
  • Advised clients on mortgage, education and personal loans.
  • Achieved permanent position as employee.

Education

Advanced Diploma - Diploma in Leadership And Management

Australian Health And Management Institute
Parramatta, NSW
03.2023

Advanced Diploma - Diploma in Community Service

Australian Health And Management Institute
Parramatta, NSW
10.2021

Fiji School Leaving Certificate - High School Diploma

Nasinu Muslim College
Suva, Fiji
12.2011

Skills

  • Document and File Management
  • Appointment Coordination
  • Database and Client Management Systems
  • Underwriting Understanding
  • Analyzing Data
  • Customer Interaction
  • Product Knowledge
  • Debt Restructuring and Refinancing
  • Application Reviews
  • Creditworthiness Determination
  • Loan Feasibility Assessment

Travelling, relaxing and cooking.

I love to travel and explore new places. One of the best thing I'd like to do is relaxing near the beach. Apart from travelling and relaxing, I enjoy cooking and trying out different recipes.

Timeline

Administrative Assistant

Azam Truck & Transport Pty Ltd
07.2020 - Current

Team Leader(Hire Purchase & Loans)

Carpenters Finance Co. Ltd
07.2016 - 01.2019

Acting Team Leader

Carpenters Finance Co. Ltd
01.2016 - 06.2016

Credit Officer

Carpenters Finance Co. Ltd
01.2014 - 01.2016

Attachment Trainee (New Accounts Officer)

Carpenters Finance Co. Ltd
09.2013 - 07.2014

Advanced Diploma - Diploma in Leadership And Management

Australian Health And Management Institute

Advanced Diploma - Diploma in Community Service

Australian Health And Management Institute

Fiji School Leaving Certificate - High School Diploma

Nasinu Muslim College

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Salma Shamiya Ali